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Sassy • Spirited • Successful

December 2015 INSIDE • Twelve Wines A-Pouring • Get Baking!

Make It Merry and Bright • Festive Area Events Don’t Stress • Protecting Retirement

Sassy • Spirited • Successful

We may give without loving but we cannot love without giving. -Bernard Meltzer May your holiday season be joyous and bright! We thank you for taking time to glance through our pages during the hustle, bustle and chaos that accompanies this time of year. Grab a cookie from around the globe (pg. 4), pour a glass of wine (there are 12 wines “a-waiting” you on pg. 6) and learn about some must-experience local attractions that are guaranteed to get you in the spirit (pg. 8). Most importantly, remember the season of giving by being generous with your time and talents. Literacy is the perfect, priceless gift that will last a lifetime. READ about two can-do women who are opening books and minds in our community (pg. 10). May this month find you in good health, surrounded by laughter and those you love and BOOMING toward the new year ahead.




adjective very stylish; confident and energetic

adjective full of courage or energy; very lively or determined

adjective having the correct or desired result; ending in success having achieved wealth, respect, or fame

BOOMERS Inside & Beyond • Make It Merry and Bright Editors Mary Helen Darah Jennifer Ruple Boomer Consultant Sharon Lange Sales Manager Connie Torrey Contributing Writers Mary Helen Darah, Daniel Finkel, Tiffany Pottkotter, Jennifer Ruple, Sue Schafer Digital Media Specialist Layne Torrey Layout and Design Elissa Cary Boom Your Business with Advertising 419/824-0100 On The Web Boomers Hangout 5655 N. Main St. #1, Sylvania, Ohio 43560

• Protecting Retirement

3 4 6 7 8 10 11 12 13 14 15

• Going Beyond


• Get Baking! • Twelve Wines A-Pouring • Best Gifts Ever • Festive Area Events • Give the Gift of Literacy • Books for Boomers • Don’t Stress • Crossword Fun • Protect Your Pets

• Jim Sautter, of Sautter’s Food Center, shares his wine picks for holiday entertaining.

• Traditional Greek holiday cookies baked by Jami Arvanitis at Theos Mediterranean Cafe in downtown Toledo.




& Beyond

Make it Merry and Bright

Create a custom look for your home this holiday

All families have holiday traditions and favorites favorite ornaments, favorite stockings and favorite Santainspired baubles. Whether you’re in the mood to keep Frosted decorations, initials and things words are available at Cottage On nostalgic or The River in downtown Grand Rapids, Ohio. ready to break a few rules while decking your halls, here is what’s trending this holiday season. Get cozy in faux fur. From stockings and table runners to robes and slippers, faux fur will leave you all warm and fuzzy. Play up your family’s personality. Anything can be customized these days with initials, monograms and phrases that say – this is our home. A traditional mix of red, green and Look for Santa table decorations at Cottage ornaments, On The River.


By Jennifer Ruple

tags and banners coated in chalkboard paint and fill your abode with expression. Plaid is back. Pillows, garlands, wrapping paper and ribbons are showing their Scottish side in tartans, houndstooth, checks and window pane plaids. Traditional green and red, bright, or pastel patterns are in abundance this season. Go cordless. No need to play the extension cord game. Unplug with cordless wreaths, garlands, swags and greenery for your outdoor decorating needs. Many Mixed metals adorn a Christmas come with tree at Cottage On The River, a remote home décor boutique. controls so no more running outdoors to light up your display. Play with color. Mix it up with a new color combination. Try cranberry and mocha, mixed metals, or silver and frost. Branch out. Bring the outdoors in with a flocked Christmas tree that exudes that freshly fallen snow effect. Let the countdown begin to your most personal holiday ever. By showcasing your family’s individuality and style, you’ll craft an unforgettable holiday and memories that last well into 2016.


Get Baking!

Holiday Cookies from Around the World By Jennifer Ruple Everyone has favorites. Whether your holiday cookie repertoire comes from cherished family recipes or from friends during a cookie swap, here are a few from around the world worth adding to your list. Kourabiethes (koo-rah-BYEH-thes) Light and buttery Greek shortbread cookies are coated in powdered sugar and made for Christmas and special occasions. Yield: 4 dozen 1 ½ pounds butter, softened 1 pound confectioners sugar 5 ½ - 6 cups sifted flour

Heat oven to 350 F. Cream butter on low speed about 10 minutes and then on medium speed about 10 minutes. Sift ¼ cup confectioners sugar into mixture. Add flour until mixture thickens. Roll into 1 ounce balls and place on greased cookie sheets. Bake for 15-18 minutes. While still warm, sift with confectioners sugar. (Recipe from Jami Arvanitis, Theos Mediterranean Cafe, Toledo, Ohio)

Finikia After baking, these traditional Greek holiday cookies are soaked in honey and then rolled in a mixture of cinnamon, sugar and ground walnuts. Greek Finikia and Kourabiethes Yield: 4 dozen 1 ½ cups honey 3 tablespoons whiskey/ouzo 1 pound butter at room temperature 4 cups water 3 teaspoons baking powder 2 cups corn oil Topping 1 teaspoon baking soda 1 cup sugar 1 cup walnuts, finely chopped 9-11 cups flour 3 eggs 1-2 tablespoons sugar Syrup 1 cup orange juice 5 cups sugar 1 teaspoon cinnamon Heat the oven to 350 F. In a large bowl, combine butter, oil and sugar and blend well. Add eggs, orange juice, and whiskey and beat on medium speed 3-4 minutes. Combine baking soda, baking powder, and 2 cups flour and add to mixture. Continue to add flour 1 cup at a time. Form cookies into 2” football shapes. With a fork, pierce cookies several times. Bake 20-25 minutes until golden brown. Cool cookies and soak in warmed syrup 15 minutes. While still wet, roll in topping mixture. Cover and stand 1 hour. (Recipe from Jami Arvanitis, Theos Mediterranean Cafe, Toledo, Ohio)

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Biscochitos Officially dedicated as New Mexico’s state cookie in 1989, biscochitos are typically made at Christmas. Their unique flavor comes from anise seed and brandy. If you can’t find the seeds, anise extract is an option. Yield: 5 dozen 2 cups sugar, divided 4 teaspoons ground cinnamon 2 cups lard or vegetable shortening

New Mexico Biscochitos

2 eggs 2 teaspoons anise seeds, toasted or ½ teaspoon anise extract ½ teaspoon vanilla extract

6 cups flour 3 teaspoons baking powder 1 teaspoon salt ½ cup brandy

Heat the oven to 350 F. Grease cookie sheets. Set aside. In a small bowl, combine ½ cup sugar and cinnamon. Set aside. Cream lard until fluffy. Add the remaining 1 ½ cups sugar, eggs, and anise seeds or anise extract and beat until well incorporated. In a separate bowl, mix flour, baking powder and salt. Combine with shortening mixture. Add brandy and mix thoroughly. On a well-floured surface, roll dough out about ¼ inch thick and cut into desired shapes. Sprinkle cookies with cinnamonsugar mixture and place on cookie sheets. Bake for 12 to 15 minutes or until lightly browned. Remove to cooling racks, and when completely cooled, place in airtight containers or freeze. (Recipe adapted from Santa Fe School of Cooking, Celebrating the Foods of New Mexico, Gibbs Smith, 2015)

Coconut Madeleines The iconic shell-shaped French madeleines are more of a buttery sponge-like cake rather than a cookie and are a wonderful treat to dip in tea or hot cocoa. Yield: 2 dozen 1 ½ tablespoons melted butter, to ¼ pound (1 stick) unsalted butter, ⅓ cup sweetened shredded coconut melted and cooled grease pans Confectioners sugar 1 cup all-purpose flour 3 extra-large eggs, at room temperature ¼ cup cornstarch ⅔ cup sugar ½ teaspoon baking powder 1 teaspoon pure vanilla extract ¼ teaspoon kosher salt Heat oven to 375 F. Grease and flour madeleine pans. In the bowl of an electric mixer, beat eggs, sugar and vanilla on medium speed for 3 minutes, or until light yellow and fluffy. Add butter and mix. Sift together flour, cornstarch, baking powder and salt, and stir into batter. Stir in coconut. With a soup spoon, drop the batter into pans, filling each shell almost full. Bake for 10-12 minutes, until they spring back when pressed. Tap the madeleines out onto a baking pan lined with parchment paper and allow to cool. Dust with confectioners sugar.

(Recipe adapted from Ina Garten’s Barefoot in Paris, Clarkson Potter Publishers, 2004)


French Madeleines


Twelve Wines a-Pouring Share the Spirits of the Season

Sautter’s in Sylvania and Waterville has been providing good things to eat–and–drink since 1927. The food centers’ wine selection began with an inventory of $20,000 and has since grown to a value of over $200,000. Patrons may please their palate from the extensive inventory that includes modestly priced wines to suit any budget to fine vintages of domestic and imported wines and champagnes. Not an expert? No worries. Knowledgeable advice is an aisle away. There is a high probability that you will see owner Jim Sautter, who loves to help shoppers “get into the spirits” to find the perfect wine for any occasion.

• Mark West 2012 Pinot Noir, spectator. Stands up well to grilled $10.99 – Notes of black meats. cherry, cola, strawberry and • Dr. L Riesling Germany plum with soft tannins. 2014, $11.99 – Crisp, Pairs well with burgers, fruity, refreshing, serve salmon or with turkey as an aperitif or with and all the fixings. mildly spicy foods. • Apothic Red Blend “Wine Spectator’s” top 2013, $10.99 – A bold 100 wine 2 years ago. blend of Zin, Syrah, • Chateau St. Michelle Merlot and Cab. Great for Canoe Ridge Estate quaffing or serve with grilled Merlot 2012, $25.99 – meats. Elegant, with notes of dark cherry. • Mer Soleil Unoaked Chard A perfect match with Italian Jim Sautter 2013, $19.99 – Bright food. minerality with zesty citrus, crisp acidity. Pair • Lacrema Sonoma 2013 Chard, $17.99 – with seafood or guacamole. Layers of vanilla peach and citrus, broad and • Grahams “Six Grapes” Reserve Porto, juicy with a great mouth feel. Pairs well with $19.99 – Delicious fruit concentration to be risotto, alfredo sauce or fowl. enjoyed with dark chocolate or an after-dinner • Le Dolci Colline Prosecco Brut, $12.99 – The dessert. Italian version of sparkling wine, crisp and • Elouan Pinot Noir Oregon 2013, $19.99 – delicate. Treat your guests to a glass when they Robust and complex, ripe plum notes with a arrive at your home this holiday season. sweet red fruit core, 93 points from wine • Sean Mino 2011 Cab Napa Valley, $18.99 – Deep ruby color with aromas of ripe blackberry, red and black currants. Serve this bold cab with your holiday prime rib. • Miraval Cotes de Provence 2014, $25.99 – SYLVANIA’S VET IS SYLVANIAVET! From the estate in Provence owned by Brad Pitt and Angelina Jolie. Rated by “Wine Spectator” CALL ANYTIME - 419/885-4421 as the best rosé in the world. Festive blush color If your pets need it, in the glass, great for the holidays. we offer it! • Veuve Clicquot Brut Champagne, $59.99 – 91 points from “Wine Spectator.” No better way to bring in the new year than with a bubbly glass 4801 Holland Sylvania at Harroun of Veuve. w w



& Beyond

Best Gift Ever

Boomers Remember Their Favorites Sue Barchick I was so grateful for my amazing husband and wonderful son Danny Barchick (who just happens to be in vehicle sales at Charlie's Dodge Chrysler Jeep Ram) surprised me with the Jeep Cherokee I had been wanting! I am blessed by their love and the Jeep was a bonus. I am one lucky wife and mom! Tessa Mossing My husband and daughters took one of our beautiful photos from our family vacation and had it professionally framed. I was so surprised, and I cried. It’s in my family room and I smile every time I look at it. Kim Seidel The best gift was having my oldest son Brad, who is a lieutenant in the Navy serving as a naval aviator, return home from his first deployment in Bahrain and Dubai. It will be a wonderful holiday knowing he is home safe and sound.


Rob Thomas One of my favorite Christmas gifts is a family photo we did. My wife, Janice, sons Ryan and Riker, and I posed like performers in a band with instruments and a mic for authenticity! The boys are really good musicians, so it was a fun theme-shoot for us– not a typical family portrait–and a memory captured forever on film for me. It hangs on the wall of our great room. Cheryl Tyler-Folsom My very best Christmas gift was a full length ranch mink coat. My husband, John, gave it to me.


Plates and Places

Ring in the Season with Holiday Events By Jennifer Ruple

Jennifer Ruple

The time we spend with our loved ones during the holidays creates traditions and cherished memories that will last a lifetime. Why not take a break from shopping, wrapping and baking to partake in a couple of these annual area gems with family and friends?

Holidays in the Manor House December 5-13, 10 a.m. – 8 p.m. For over 40 years, community volunteers have decorated the iconic Georgian-Colonial home at Wildwood Metropark for the holidays, each room featuring a unique The kitchen at the Manor House theme. After your – Christmas 2014 tour, warm up at Metroparks Hall with hot or cold beverages, cookies, hot dogs and family-friendly activities. Wildwood Preserve Metropark 5100 W. Central Ave., Toledo, Ohio Admission: Free

Center and explain the Wells-Wolcott legacy and pioneering traditions of an early nineteenth to early twentieth century village. 1035 River Rd., Maumee, Ohio Admission: $6 adults, $5 seniors and $2.50 students Wolcott House holiday tours

38th Annual Colonial Christmas Saturday, Dec. 5, 9 a.m. – 3 p.m. Presented by the Historical Society of Bedford, this primitive country craft show includes holiday décor, candles, evergreen wreaths, handmade rugs and antiques. Homemade soups, sandwiches, and Wolcott House Holiday Tours apple cobbler are available for Nov. 14 - Dec. 30, purchase. Saturdays and Sundays at 12:30 St. Luke’s Lutheran Church and 2:30 p.m. 1690 W. Sterns Rd., Temperance, Presented by the Maumee Valley Historical Society, docents lead tours Holiday décor is available at the Mich. of the six-building Wolcott Heritage Colonial Christmas Craft Show. $1 donation is appreciated Join now • SYLVANIA’S

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& Beyond

The Lights Before Christmas November 13 - January 3 Celebrate the 30th anniversary of Toledo Zoo’s well-loved event. Enjoy the lights while strolling the grounds plus ice carvings, Holiday lights glimmered through a blanket carolers, of snow. model trains, a visit with Santa and a ride down the ice slide. (Closed Thanksgiving, Christmas Eve, Christmas Day, New Year’s Day) Sunday - Thursday: 3 - 8 p.m. (Zoo closes at 9 p.m.) Friday - Saturday: 3 - 9 p.m. (Zoo closes at 10 p.m.) Toledo Zoo 2 Hippo Way, Toledo, Ohio For rates, visit

Christmas at the Cabin December 12-13, 1-6 p.m. Holiday tours of the beautifully decorated historic cabin which was once home to poet Ina Duley Ogdon. The event, presented by the Century House Preservationists, features re-enactors, the River Raisin Sweet Adeline Chorus, refreshments and a visit from Santa. 6829 Summerfield Rd., Bedford Twp., Mich. Trudy Urbani greeted guests at last year’s Christmas at the Cabin $5 donation is appreciated event.

Tours de Noel in The Old West End Sunday, December 6, 12 – 7 p.m.

Tour five beautifully decorated historic homes; shop at a holiday gift boutique, enjoy a Guests lined up for a holiday tour in 2014. Tony Packo’s lunch at First Congregational Church and experience the gazebo and tree lighting at Old West End Common’s Park. For tickets and more information, call 419/2444921 or visit Whatever you’re saying, it’s better said with chocolate. 5665 Main St. • 419.517.4455 Downtown Sylvania



Give the Gift of Literacy This Holiday Success Comes in a CAN, Not a Can’t By Mary Helen Darah

Jeanette Hrovatich, executive director for Read for Literacy, and Diana Bush, senior director of operations for Read for Literacy, are two “CANdo” women who are opening minds and fighting illiteracy one book at a time. Hrovatich, who has a degree in education, knows first-hand the importance of tackling illiteracy after spending a lifetime in the field of education. Bush has been with the organization for 26 years and is dedicated to the cause. “The numbers are staggering here in Lucas County for those who do not have the power of words,” states Bush. (Nearly 26% of third graders in Lucas County are not proficient in reading, and more than 39,000 adults are reading below the fourth-grade level.) “You can gaze at the statistics and feel like throwing in the towel or ask yourself, how can I make a difference.” The two women engage and motivate donors, volunteers and students—over 2,900 of them—to


keep moving toward a community of readers. Hrovatich believes the perfect gift this holiday season is to give the gift of words; a present that will last a lifetime. “In the ‘I Can Jeanette Hrovatich continues the close to Learn to three decades-long legacy of Read for Read’ Literacy by striving to create a program, community of readers. Visit the website volunteers are or call 419/242-7323 for information on how you can give the trained for priceless gift of words. roughly three hours,” she explains. “Volunteers then commit to one to two hours a week, October through May.” Traveling Boomers can be assured that the duo understands the need for volunteers to take time off. “We know people have commitments, but we also know that taking the time to read with one of our students (ages 3-85) is one of the most rewarding things you will ever experience,” says Bush. “Seeing the smiling faces of children and adults after they accomplished something they never imagined they could, reinforces my belief that we CAN win the war on literacy,” reports Hrovatich. Read for Literacy has been providing literacy outreach for close to three decades. “Adult Basic Education,” “English Language Learners,” “Creating Young Readers,” “Claire’s Day” and “Creating Family Readers” are their signature service programs. Read for Literacy also provides resources, books, activities and supplies for families in our community living below the poverty level. “Yes, the numbers are overwhelming but we are challenged by them,” states Bush. “Now is the time to give people the tools to succeed and move from ‘I can’t’ to ‘I CAN!’” BOOMERS

& Beyond

Books for Boomers Grab a cup of hot chocolate, a warm blanket, cozy up by the fire, and snuggle up with some great books to read during the holidays. Here are some suggestions from the Sylvania Branch Library to get you started!

By Sue Schafer

Manager, Sylvania Branch, Toledo Lucas County Public Library

The Martian, Crown Publishers, 2014 By Andy Weir This is an edge-of-your seat debut thriller with laugh-out-loud dialogue mixed in. After a bad storm cuts his team’s Mars mission short, injured astronaut Mark Watley is stranded. Now he’s got to figure out how to survive without air, shelter, food, or water on the harsh Martian landscape until the next manned mission in four years.

Trigger Warning: Short Fictions and Disturbances, William Morrow, 2015 By Neil Gaiman This is the latest collection of short fiction by the #1 best-selling author. Included are previously published stories, verses and a 50th anniversary Doctor Who tale, as well as an original short story.

Our Souls at Night, Alfred A. Knopf, 2015 By Keith Haruf In this spare yet eloquent, bittersweet story, a man and a woman, in advanced age, come together to wrestle with the events of their lives and their hopes for the imminent future.

Girl in the Spider’s Web: A Lisbeth Salander Novel, Alfred A. Knopf, 2015 By David Lagecrantz Series: Millennium novels (Stieg Larsson), 4 After receiving a call from a trusted source claiming to have vital information for the United States, journalist Mikael Blomkvist turns to hacker Lisbeth for help.

Disclaimer, Harper, 2015 By Renee Knight Reading a mysterious novel that recounts in haunting detail the day she became the victim of a dark secret, documentary filmmaker Catherine Ravenscroft is forced to confront the past to prevent her world from falling apart.

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Don’t Stress!

Tips for Handling Stressful Family Members This Holiday By Tiffany Pottkotter, PMHNP-BC, PCC, MSN

Hearing the words “holidays” and “family gatherings” does not always trigger pleasant memories or emotions for everyone. Getting together with family may bring a lot of joy to some people, yet a lot of anxiety and bad memories for others. Here are some tips for enjoying the holidays, despite that family member who tends to “press your buttons” at family gatherings: • Make a plan. Decide ahead of time how long you will stay, what topics you want to avoid, how to respond to the negative comments, and neutral topics that can be discussed to fill the uncomfortable voids. • Wait before responding. There are likely to be certain topics that instantly trigger negative emotions. Give yourself time to process a response that is not filled with emotion, but rather with logic. • Don’t expect a miracle. Set realistic expectations of how family members are going to act. By knowing ahead of time what you may be facing, it decreases unrealistic expectations. Anticipate tension will still exist rather than hoping for changed behavior just because it is a holiday. • Avoid excessive use of alcohol. While some may use this as a coping mechanism for dealing with family members, too much alcohol will lower your ability to think before you speak and may result in more damage. Set a limit ahead of time and make sure someone is holding you accountable. • Stay close to your supports. Limit your time with family members who cause you the most stress and optimize your time with those that bring you happiness. • Drive your own car. Decide ahead of time how long you will stay. Having your own vehicle gives you control on when you can leave an uncomfortable situation. • Set boundaries and know your limits. Have an accountability partner check in with you periodically to see how you are doing. If needed, leave before your anger limits have been reached. • Stay home. If going to a family gathering brings you excessive stress, anxiety or depression, then


stay home. Take care of yourself first instead of worrying about pleasing others. Plan a fun event with friends or those that bring you joy. Surround yourself with others who may be going through the same thing. In short, holidays can bring great joy to families, or a great deal of stress. Decide what is best for you or your family. Use this opportunity to reflect on what is most important to you during this season and how to approach or resolve future family issues.

Tiffany Pottkotter, PMHNPBC, PCC, MSN, is a boardcertified psychiatric nurse practitioner who sees patients at the Findlay location of the ProMedica Memorial Hospital Center for Mental Health and Well-Being. Tiffany completed her postmaster’s degree at The Ohio State University. She also has a master’s degree in nursing and mental health counseling, and has been certified as a Professional Clinical Counselor for nine years, and as an RN for four years.Tiffany has 15 years of experience in the mental health field including teaching psychology courses at several universities, served as a clinical instructor for psychiatric nursing students, and managed a group home for the severely mentally ill for seven years.


& Beyond

Crossword Fun: Fairy Tales ACROSS 1. Black ____ snake 6. NY Giants HOF outfielder Mel 9. For capturing attention 13. Relating to axis 14. National Institute of Health 15. Aussie bear 16. Rekindled 17. Compass reading 18. Sign of bad news 19. *Hans Anderson’s Emperor lacked these 21. *Reflecting truthteller 23. 1/60th of min 24. What aides do 25. * “Beauty and ____ Beast” 28. “The Sun ____ Rises” 30. Chinese tea 35. Lemongrass, e.g. 37. Wrong 39. Golfer’s accessory 40. Arm part 41. Shipping weights 43. Beige 44. Sprays 46. River in Egypt 47. Innocent 48. Lowest part 50. Use a cat o’ nine tails 52. Brit. fliers 53. Not straight 55. Dot-com’s address 57. *1001 what? 60. *Genie’s master 64. Pope’s court 65. Philosophical system 67. Famous bandmaster 68. Make fit

69. Wow! 70. What a bridge does 71. Affleck and Stiller 72. Indian bread 73. WWII conference site

DOWN 1. Painter ____ Chagall 2. Michelle Kwan’s jump 3. Venus de ____ 4. Entices 5. Tennis great Gibson 6. Singles 7. *Steadfast Soldier’s substance 8. Unifying idea 9. For, in French 10. Kind of palm 11. Hurtful remark 12. Toni Morrison’s “____ Baby” 15. Kasparov’s famous opponent 20. “Bravo! Bravo!,” e.g. 22. International Labor Organization 24. Tell a scary story? 25. *Tom’s size equivalent 26. Sunny prefix


27. Famous German artist Max 29. *Ugly Duckling, at end 31. Bank holding 32. Grouchy Muppet 33. Waterwheel 34. * “Three Goats ____” 36. Quilt stuffing 38. Raise the roof 42. 1988 Olympics site 45. “____ ____” by Pink 49. Yoga class accessory 51. The infamous ____ knoll

54. “Peace” with fingers 56. Parkinson’s disease drug 57. Artist’s model? 58. Formerly Persia 59. Deprive of by deceit 60. So be it 61. Like Jekyll and Hyde’s personality 62. Antonym of “is” 63. Rover launcher 64. Uber alternative 66. *Little Mermaid’s domain


5 Simple Steps to Keep Pets Healthy Over the Holidays

When making holiday plans, consider your pets’ health recommends year-round heartworm prevention for dogs and cats,” she explains. “Make sure to put a needs. Here, five veterinary experts weigh in on steps reminder on your holiday calendar to give routine to keep pets happy and healthy amid the hubbub. monthly preventives to pets.” Resist Those Pleading Eyes Give the Gift of Activity According to veterinary nutritionist Dr. Dottie “When we removed hunting from pets’ daily lives, LaFlamme, high-calorie tidbits contribute to we reduced their physical and mental caloric overload and bad habits, while activity,” explains veterinary lacking necessary nutrient balance. behaviorist Dr. Jacqueline “Just one teaspoon of beef fat Neilson. “When pets lack can contain almost twice the mental stimulation, they can calories a small dog should become bored and depressed, consume in daily treats,” and often create their own LaFlamme notes, adding that stimulating activities, such as feeding from the table also chewing items or barking at promotes begging behavior. “If passersby.” you must give pets a treat, feed it in Beat this concern with food puzzles and their bowl after the meal to help with Photo source: (c) annaav toys that require pets to work, play or portion control.” “hunt.” Avoid Holiday Hazards The holidays can be toxic to pets. Chocolate poisoning “Consider your pet’s personality when choosing holiday gifts,” says Neilson. “If your dog likes to chew is one of the most common accidents during the things, a food toy that needs to be squeezed between holidays, according to veterinary critical care specialist the jaws may be ideal. Herding breeds may prefer a toy and toxicologist Dr. Justine Lee. Other food foes they can nudge.” include grapes, raisins, bones, unbaked yeast bread dough, alcohol and xylitol, a common sugar substitute. Travel Prep An estimated 30 million people travel with their pets Likewise, “Potpourri liquid contains detergents that annually, and holidays are prime time for hitting the can cause severe ulcers and burns in a cat’s mouth, road. Flying? Check your airline’s pet requirements. while tinsel can act as a severe linear foreign body For car travel, invest in a carrier. when stuck in a cat’s stomach and intestines,” she explains. “Your pet will appreciate a safe haven while traveling,” says Dr. Robert Stannard, who recommends adding a If you’re hosting, ensure houseguests pet-proof their favorite blanket to provide a sense of familiarity. pill bottles. Travel bowls, favorite toys and medications are Take Preventive Measures Owners often experience a false sense of security about necessities, not luxuries. Just be careful not to overfeed. parasite prevention when the weather turns cooler. However, the holidays are no time to take a break from “Like us, pets can get motion sickness,” says Stannard. “Don’t feed your pet right before leaving, and limit heartworm prevention, even though heartworms are food during travel to help prevent digestive upset.” spread by infected mosquitoes, says veterinary parasitologist Dr. Patricia Payne. Why? Because With a few precautionary measures, your four-legged preventives work retroactively on heartworm larvae family members can have a happy, healthy holiday acquired earlier in the season. season. “There’s no way to accurately predict past or future (StatePoint) transmission, so the American Heartworm Society

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& Beyond

Protecting Retirement

Daniel Finkel

Whether you are about to enter retirement or you are in the early years of retirement, one concern many have is how to make sure they can generate an income they will not outlive. There are two basic ways to tackle this issue.

Find a relatively safe withdrawal rate: Find a withdrawal rate that fits your age and portfolio. Generally speaking this is between 3% and 5% per year of your portfolio value. The rate depends on your age, life expectancy, the expected return and volatility of your portfolio. A financial advisor should be able to put the portfolio to the test by running computer simulations called Monte Carlo simulations that show how the withdrawal rate and portfolio perform in various market conditions. This may help you understand how your portfolio and withdrawal rate may hold up under good and bad market conditions. You can then make adjustments to the risk level of the portfolio or to your withdrawal rate if need be. If you are about to retire these simulations may help you to decide how much to draw from your portfolio. For example, it would be more valuable to know that your retirement account is designed to produce $300 per month than it is to know that the account balance is $100,000 since your bills are expressed normally in monthly amounts. Transfer the risk using an annuity: An annuity is literally defined as a series of payments at regular intervals. The annuity that most retirees are familiar with is Social Security. It is an annuity provided by the government. In the past many companies offered an annuity in the form of pensions. Today only a few do. You can create your own annuity with an insurance company. You purchase an annuity contract from an insurance company and they, in turn, will provide a specified income that you cannot outlive. It should be noted that like company pensions, the DECEMBER 2015

By Daniel Finkel

solvency of the insurance company is important. It should also be noted that once the annuity income is turned on or annuitized, like social security or a pension, it cannot be altered. Not all annuities must be annuitized. You may be able to take withdrawals from the contract that can start or stop. Insurance company annuities are sometimes criticized because of added expenses, higher commissions and surrender charges that can last for many years. These factors are important to consider, but if the product accomplishes your goals it still may be worth exploring. Often these products have extra benefits such as an enhanced death benefit to survivors or living benefits that provide income security to you that may help accomplish your objectives.

Daniel Finkel is a financial advisor with Savage and Associates, 4427 Talmadge Rd. Toledo, Ohio. He can be reached at 419/7257273. Securities and advisory services are offered through Royal Alliance Associates, Inc. member FINRA/SIPC. Insurance services offered through Savage & Associates, Inc. which is not affiliated with Royal Alliance Associates, Inc. or registered as a broker-dealer or investment advisor.

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searchWEBSITES The Nutcracker Winter fun, travel and activities for everyone Presented by the Ballet Theatre of Toledo Valentine Theatre Nov. 27, 28, 29 Cool weather vegetable crops just in time for The performances will be accompanied by the fall gardening Ballet Theatre of Toledo Orchestra and Toledo’s Masterwork Chorale. 25 best soups to warm you up and keep you Ticket information and purchase available at healthy or 419/242-2787 Miracle on Main Street Flowering houseplants that thrive in winter Friday, Dec. 4 – Sunday, Dec. 6 and brighten your home Downtown Sylvania Red Bird First Friday, Art Walk, Family Crafts and Lighted Christmas Parade on Sunday to 18th Annual Stuff the Truck Event bring Santa Claus to town. Walt Churchill’s Markets in Maumee and Detailed schedule to be posted on the Perrysburg Facebook event. Nov. 20, 6 a.m.- 6 p.m. Help pay it forward by stuffing the truck with all Home for the Holidays Parade the fixings for a turkey dinner. Saturday, Dec. 5, 4 - 6 p.m. Contact stores for details Downtown Perrysburg 10th Annual Crafting Wishes for Parade will travel down Louisiana Avenue Make-A-Wish Craft Show Winter Festival of Crafts Lucas County Rec Center Sunday, Dec. 13, 10 a.m.- 4 p.m. Saturday, Dec. 5, 10 a.m.-4 p.m. Franciscan Center at Lourdes University Complete your holiday shopping and decorating with the purchase of juried handmade items. This show is presented by Toledo Craftsman Guild. Toledo Jingle Bell Run/Walk for Arthritis Saturday, Dec. 12, 8 a.m. registration Jazz under Glass with the Art Tatum Fallen Timbers in Maumee, Ohio Jazz Society Contact Liz Martin at 614/503-5591 Thursday, Dec. 17, 6:30 - 8:30 p.m. In the GlasSalon at the Toledo Museum of Art December Dash 4.9 mile Race & Movie The popular Jazz Under Glass series returns Sunday, Dec. 27 with monthly performances put on in Race begins at 9, movie to begin at partnership with the Art Tatum Jazz Society. For approximately 10:45 more information and tickets visit Maumee, Ohio




Lebanon Horse-Drawn Carriage and Parade Festival Saturday, Dec. 5 Lebanon, Ohio 513/932-9050 Walleye Madness at Midnight Thursday, Dec. 31 Port Clinton, Ohio


Mobile Meals Deliver a meal to someone in need. Cherry Street Mission Various volunteer opportunities available

Boomers & Beyond December Issue, November 17, 2015  
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